Miway Home Insurance - Looking for reasons not to pay and low-balling quotes

I had a terrible experience with Miway Insurance specifically linked to their home insurance. The following were the facts:- - A concealed waterpipe burst in my shower wall just after easter this year (i.e. behind the tiles), and I have been living in this house the last 12 years. - The burst occurred over the easter weekend whilst we were away in Cape Town. - The water seeped through the wall into the passage fitted with laminated floors - Insurance service providers had to chop up half my shower to get to the concealed pile and replace the pipe. - Consequential damage was the fixing of the shower and the laminated floors in the passage.

This is now where the problem with Miway started. Miway first insisted that they will not pay for the consequential damage since the concealed pipe was a "maintenance issue". Apparently, I could have maintained the pipe which I found absurd. Post an arm wrestle, they made me an offer of around R5000 (small amount) whilst I clearly knew the damage to be significantly more. Whilst still discussing this matter with Miway, I received a notification that my premium has been increased by R1300-00, whilst the claim is yet to be finalised. I found this extremely aggressive and in bad taste. Upon a further arm wrestle and escalation Miway made me an offer of R23k for the damage. Before I accepted, I got quoted for the floor and for the floor alone (excl Shower repair) it was more than R23k. I disputed the amount with Miway and they were totally uncooperative. I made them an offer to fix my shower (I have the measurements (shower only and not entire bathroom plus the passage floor) and I was met with a challenge to rather take them to the ombudsman. I was just looking for a fair and reasonable solution to fix by house and return it to the state prior to the pipe burst, but Miway was clearly low balling the numbers.

This was my experience with Miway and I one very unsatisfied client. I have subsequently fixed the bathroom with my own funds and yet to resolve the matter with Miway, since I did not have the energy to attend to this matter due to a busy lifestyle and work demands. But not a great experience and I want to put this out there and I do not believe that I have been treated fairly, which is my expectation, which were not met.